Travel insurance claim partially rejected. Has anyone faced this?

[User_6ce7c839]

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User_6ce7c839
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May 5, 2026 at 8:23 am

Hey everyone, looking for some advice or similar experiences.

I had taken an international travel insurance policy (ICICI Lombard TripSecure+) for a trip with my wife. We were both insured under the same policy and had a joint itinerary (flights + hotel).

Unfortunately, my grandmother passed away just before the trip, so we had to cancel everything.

Now here’s where it gets confusing:

* The insurer **accepted my claim** (they considered my grandmother as my “immediate family member”)
* But they **rejected my wife’s claim**, saying that my grandmother is *not her* immediate family member
* So they basically paid **only half the hotel cost** and denied the rest including the flight cancellation as well

Their logic is that as per the policy, my grandmother is not the immediate family member of my wife.

My concern is:

* This was a **single event** affecting the same trip
* The cancellation wasn’t independent—obviously my wife wasn’t going to travel alone in that situation
* The policy doesn’t clearly explain how this works for co-insured spouses

I’ve already tried pushing back, but they’re sticking to their interpretation.

So I wanted to know:

* Has anyone faced something similar situation with travel insurance?
* Any success in getting such decisions reversed?
* Is this a common industry practice or something worth fighting?
* What should be my next steps?

Would really appreciate any insights or experiences. Thanks!

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